To be fair it's a lot more complicated. One reason you don't hear much about what insurance apps really do is that they don't really know the what all that data

To be fair it's a lot more complicated. One reason you don't hear much about what insurance apps really do is that they don't really know the what all that data can tell them. Another is that it would creep you out. Each use case has different sensitivity to false positives/negatives. But, in general, if they've got your accelerometer data and location, they, whoever "they" might be, know you pretty well.